Getting harassing calls over your Comenity Pottery Barn Card?
In one way or the other, if you are like most people, then you must have encountered debt collectors. Knowing how to respond when faced with a Pottery Barn Comenity card debt collector is very important, as many have ended up in trouble by simply answering a phone call from a debt collector without first possessing the right information.
If a debt collector is calling you to pay your Pottery Barn Credit Card debt, then there’s a possibility that your Pottery Barn account was transferred or sold to them. Thus, they have a right to contact you about making a Pottery Barn Payment.
Nevertheless, in an attempt to collect the Pottery Barn Payment, the debt collector must not harass or threaten you. Some debt collectors are notorious and are known for being a menace.
If the Pottery Barn Credit Card debt collector is beginning to scare or threaten you, they’re going against the law. They can ask you to pay Pottery Barn without threatening you with violence.
The FDCPA protects you from all forms of debt collection harassment, and the debt collector communicating with you regarding your Comenity Bank Pottery Barn card must abide by the FDCPA laws. If they do not, you are allowed to take legal action against them.
Call us now at 877-700-5790 if you have a question if you are being harassed by a debt collector over your Comenity Pottery Barn credit card, or if you would like to know if you may be entitled to compensation for damages.
About the Comenity Pottery Barn card
The Pottery Barn Comenity card is no longer issued by Comenity Bank. It has now been issued by Capital One. All cardholders have received information about their new card and account. Nevertheless, you can still access your new Pottery Barn card via the Comenity website by visiting comenity.net/potterybarn.
Read more information about the Pb Credit Card on their website (https://www.potterybarn.com/) or dial the number below to speak with a Pottery Barn Credit Card Customer service representative.
Always remember to keep your details safe when you’re making Pottery Barn online payments, and never to give your Potterybarn Credit Card Login details to just anyone claiming to be a representative of the store or their affiliated debt collectors.
Pottery Barn Credit Card Phone number – +1 415-441-1787
Address: 2100 Chestnut St, San Francisco, CA 94123
Five steps to negotiate with debt collectors
Keep in mind that the major aim for any debt collector is to get you to make payments. Getting yourself well equipped with the necessary guidance on how to approach the entire debt collection process is vital and will make the process of dealing with debt collectors easy. Here are the 5 steps you can use to negotiate with any debt collector when you can’t afford to pay the debt off at once.
1) Know your rights under federal law
Simply telling a debt collector you know your rights under the fair debt collection practice act (FDCPA) will most effectively bring the debt collection harassent to a stop. The FDCPA serves as a rule by which debt collectors must abide when dealing with consumers.
It is very essential to know these rights for yourself even before stating them to a debt collector. Many people fall victim to debt collectors who ignore these rules countless times when they sense that you are not aware of your rights. This gives them leverage to do as they please.
You will definitely be in a good place when you let a debt collector know that you know your rights and any violation of your rights will be reported to the Federal Trade Commission (FTC), the consumer financial protection bureau (CFPB), your attorney, and your state Attorney General’s office.
2) Never Allow Them to Upset You
You should know that once debt collectors are aware you know your rights, they may look for other means to get through to you and one of them is by toying with your emotions. This can involve using your existing fears and past experiences about debt collection to try to get a reaction from you. They can also decide to make use of threats, such as calling your employer or threatening to garnish your wages.
What you should know is that under federal law, you must first be sued in a civil court before a debt collector can get permission to garnish your wages. This is another reason why it is important to be aware of your rights.
Another common method debt collectors use is to get you to feel guilty by saying that you have been stealing and being an irresponsible citizen for not paying your Comenity Pottery Barn credit card debt. Don’t fall for this trap.
When they notice it doesn’t work, they use another means to get you angry so you can do something stupid like admit to owing a debt you haven’t received verification for or restarting the clock on a debt that is way past the statute of limitations.
Even if you sense it is a scam, stay calm. Some of the warning signs of a scam are:
- They refuse to share their contact information with you such as their mailing address or phone number.
- Even when you don’t accept the debt, they still want you to pay.
- They threaten to sue you or have you arrested.
Demand For Validation Of Debt
Before making any payment, there are certain things you need to look out for. It doesn’t matter if you receive a debt collection notice through a call or letter. Send a letter to the debt collector demanding debt validation which is allowed by the Fair Debt Collection Practices Act.
You need to know that not everything that the debt collector says you owe may be valid. In your letter, demand to see evidence of the debt. This Letter has to be sent within 30 days after getting in contact with the collector. If the creditor is unable to prove that you own the Comenity Pottery Barn debt by showing the correct information with all necessary details, you stand a strong chance of getting it out of your credit report which could better your credit score significantly. Always ensure your debt is validated.
Make Negotiations With Older Debt
Most collection agencies buy old debts from other companies after they have written off the debt. Whenever you are contacted by a collector regarding an old Comenity Pottery Barn debt, don’t be scared to propose a settlement for an amount that is less than what you owe. It doesn’t matter how small the amount may seem, you can start negotiating from the lowest possible amount in order to reach a good agreement. All that matters to the collection agency is that they get a return on their investment. They may agree to a payment plan. Ask for the removal of the debt from your report in return for your payment.
Make Sure That all Agreements are In Writing
After agreeing to a settlement, ensure that it is all documented in writing. Debt collectors are well known for deceit, making fake promises, canceling agreements and also ruining your personal finances. All of this can become a reality if you negotiate verbally alone without any written agreement. Never negotiate with a debt collector over the phone. Ask them to send every detail in writing or through an email. Unless you have an agreement in writing, you may have no agreement all at.
Reach out to us at 877-700-5790 for more information or to ask a question.
Getting harassed over yur Comenity Pottery Barn credit card?
Are you receiving any harassing phone calls from any of these numbers?
If the answer is yes, then you are receiving calls from a known Pottery Barn phone number. You may be a victim of harassment. The list above is not all the numbers that Pottery Barn uses. The calls can be from different phone numbers and still be Pottery Barn calling you. Cardholders might also receive text messages from these numbers in relation to collecting a Comenity Pottery Barn credit card debt. Contact our office right away if you would like us to fight on your behalf.
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication.
If you are interested in learning more about how to stop the harassment you may be facing during the collection of your Comenity Pottery Barn credit card debt, call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com.